                    &\multicolumn{1}{c}{Full Sample}&\multicolumn{1}{c}{Subprime Borrowers}&\multicolumn{1}{c}{Prime Borrowers}\\\cmidrule(lr){2-2}\cmidrule(lr){3-3}\cmidrule(lr){4-4}
                    &\multicolumn{1}{c}{Auto Loan Default}&\multicolumn{1}{c}{Auto Loan Default}&\multicolumn{1}{c}{Auto Loan Default}\\
\hline
Minority            &      -1.334         &      -2.463         &      -0.295         \\
                    &     (1.331)         &     (1.623)         &     (1.974)         \\
Female              &      -0.738         &       0.668         &      -1.872         \\
                    &     (0.987)         &     (1.409)         &     (1.879)         \\
Age                 &      -0.019         &       0.018         &      -0.058\sym{**} \\
                    &     (0.021)         &     (0.029)         &     (0.025)         \\
log(Income)         &       0.020         &       0.019         &       0.019         \\
                    &     (0.019)         &     (0.026)         &     (0.027)         \\
Log(Auto Loan Amount)&      -0.001         &      -0.024         &       0.015         \\
                    &     (0.020)         &     (0.030)         &     (0.027)         \\
Auto Loan to Income Ratio&       0.002         &       0.009         &      -0.001         \\
                    &     (0.017)         &     (0.026)         &     (0.023)         \\
Auto Loan Rate      &      -0.003         &       0.018         &      -0.021         \\
                    &     (0.018)         &     (0.024)         &     (0.028)         \\
Credit Score \textsubscript{t-1}&       0.029         &       0.010         &       0.043\sym{*}  \\
                    &     (0.019)         &     (0.027)         &     (0.024)         \\
log(Total Debt \textsubscript{t-1})&       0.009         &       0.005         &       0.010         \\
                    &     (0.019)         &     (0.027)         &     (0.030)         \\
Debt to Income \textsubscript{t-1}&       0.015         &       0.029         &       0.003         \\
                    &     (0.017)         &     (0.024)         &     (0.030)         \\
log(Past Due Debt \textsubscript{t-1})&       0.026         &       0.045         &       0.003         \\
                    &     (0.020)         &     (0.027)         &     (0.025)         \\
Auto Debt Share     &      -0.024         &      -0.050\sym{*}  &       0.008         \\
                    &     (0.019)         &     (0.028)         &     (0.025)         \\
log(Personal Income Per Capita)&       0.013         &       0.012         &       0.010         \\
                    &     (0.017)         &     (0.026)         &     (0.028)         \\
log(Population Density)&      -0.021         &      -0.034         &      -0.011         \\
                    &     (0.018)         &     (0.027)         &     (0.027)         \\
Bachelors Degree    &      -0.029         &      -0.011         &      -0.044         \\
                    &     (0.018)         &     (0.027)         &     (0.027)         \\
Commute Using Car   &       0.002         &      -0.005         &       0.009         \\
                    &     (0.018)         &     (0.026)         &     (0.024)         \\
\hline
R-Squared           &       0.015         &       0.032         &       0.027         \\
Observations        &       8,587         &       4,321         &       4,266         \\
